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Julio Cesar
Señor Julio Cesar has been working for a state institution in a warehouse in the city of Managua for nineteen years. He is married and has four dependents that he provides for.

Señor Julio Cesar is requesting a loan through Ceprodel to make improvements to his house. He will use the loan to buy construction materials such as bricks, cement, and sand and to pay for manual labor to construct a wall that will give his home better security. This will improve his family's living conditions.
View original language description ↓
En municipio de Managua, el señor Julio Cesar se dedica a laborar como responsable de bodega en una institución del estado, dedicándose a esta labor desde hace diecinueve años. Es casado y con cuatro personas a su cargo que le proporciona las condiciones necesarias a su familia.

El señor Julio cesar ha acudido a ceprodel con el fin de solicitar un crédito para mejorar la condición de su vivienda en la compra de materiales de construcción tale como bloque, cemento, arena, y pago de mano de obra, para levantar muro para darle seguridad a su vivienda, por medio de esta obra brindarle mejor condición de vida a su familia.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,410,775
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Julio Cesar purchase construction materials.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 14, 2011
Aug 7, 2011
Currency Exchange Loss:
Mar 15, 2013